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Comparison

Side-by-side payments and cash to close

Lowest monthly: Assumable Loan

Total monthly

Payment stack including taxes, insurance, and HOA

Cash to close

Down payment / equity bring-to

Detail
Assumable Loan
Assumable · FHA
Assumable Loan + Second
Assumable · FHA
Current Market Conventional
New · Conventional
Loan amount$153,478$153,478$297,000
Remaining term (yrs)22.922.930.0
Secondary amount$0$143,522$0
Funding fee$0$0$0
Note rate3.55%3.55%7.18%
Blended rate4.4%6.14%7.42%
1st payment$814.43$814.43$2,011.98
2nd payment$0.00$956.81$0.00
Taxes / mo$291.83$291.83$291.83
Insurance / mo$150.00$150.00$150.00
MI / mo$127.68$127.68$59.40
HOA / mo$0.00$0.00$0.00
Total monthly$1,383.94$2,340.76$2,513.21
Cash to close$176,522$33,000$33,000